Institution Statistics
| D C | | NCUA # | 63498 | | BankRate Report | View | | Year Chartered | 1953 | | Employees | 3 | | Primary Regulator | |
Assets and Liabilities | | Assets | $7.17 million | | Loans | $3.46 million | | Deposits | $5.45 million | | Equity Capital | $1.70 million | | Loan Loss Allowance | $41,000 | | Unbacked Noncurrent Loans | $54,000 |
Historic Data - December 2010 | | Assets | $7.04 million | | Equity Capital | $1.68 million | | Loan Loss Allowance | $46,000 | | Unbacked Noncurrent Loans | $96,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.78% | | Return on Assets | 0.2% | | Return on Equity | 0.82% | | Interest Income | $308,000 | | Non-Interest Income | $35,000 |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 D C Credit Union had $54,000 in non-current loans and owned real-estate with $1.74 million in equity and loan loss allowances on hand to cover it. This gives D C Credit Union a Texas Ratio of 3.11% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for D C Credit Union decreased significantly from 5.56% as of December 31, 2010 to 3.11% as of December 31, 2011, resulting in a positive change of 44.11%.This indicates that the balance sheet and financial strength for D C Credit Union has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, D C Credit Union has increased its total deposits by $116,000, resulting in 2.18% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth D C Credit Union has shown is above average. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. D C Credit Union has $7.17 million in assets with $1.74 million in equity, resulting in a capitalization level of 24.25%, which is excellent. |
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